Relocator retirements involve a number of decisions: timing the sale of the existing home, capital gains implications, downsizer super contributions if eligible, the cost of the new lifestyle, and the income strategy in retirement. The Gold Coast offers a range of retirement lifestyles and costs; planning needs to match the actual lifestyle you want.

Investment property looks particularly attractive on the Gold Coast given recent growth, but the principles are the same as anywhere: it's one part of a diversified portfolio, and concentration in property creates risk. After-tax, after-cost returns matter more than headline price growth. We can compare property to other investment options.

Common strategies in the final pre-retirement years include catching up on concessional contributions if you have unused cap from prior years, reviewing your fund's investment option as you approach retirement, considering the timing of any non-concessional contributions, and assessing whether downsizer contributions will be relevant from the sale of a previous main residence.

Common documents include a current will, binding death benefit nominations on super, powers of attorney, and consideration of testamentary trusts where they suit. Common considerations include blended families, multiple properties, and the desire to control or protect distributions to beneficiaries.

Aged care planning works the same nationally: the accommodation payment choices (RAD/DAP), the interaction with Centrelink entitlements, and the means-tested fee structure all apply. The Gold Coast has a range of aged care options across the cost spectrum. Planning early gives more choices.

Business owners often have most of their wealth tied up in the business. Diversifying into super, addressing personal insurance, planning for eventual sale or succession, and separating personal and business finance are typical starting points. The small business CGT concessions can be significant on sale if conditions are met.